Better Health for All

No specific, concrete data points were found in the provided articles that could be mapped to the quantitative thresholds of any KPI in the 'Better Health for All' rubric. While some articles mention partnerships related to preventative health solutions

and philanthropic activities that could indirectly support health, they lack the required metrics such as percentage of revenue, R&D allocation, or population reach to score against the rubric's criteria. Information regarding internal employee wellbeing programs is not considered relevant for this value, as per the definition.

Fair Money & Economic Opportunity

No quantitative data or specific information relevant to the 'Fair Money & Economic Opportunity' ethical value for SLW.XETRA was found across the provided articles. The articles consistently state that metrics such as underserved client share, pricing fairness, exploitative fee exposure, inclusion initiatives, data accessibility, fair lending compliance, wealth building outcomes, profit reinvestment, financial literacy initiatives, debt burden ratio, geographic inclusion, and product simplicity are not applicable or that no data is provided.

The company's core business as a life insurance company and asset manager, as described, does not directly align with many of the consumer lending-focused KPIs in this rubric, and the provided articles do not offer relevant performance data for any of the applicable KPIs.

Fair Pay & Worker Respect

One incident of discrimination was identified in the Swiss Life France division in 2024, which was internally reviewed and resolved.

Swiss Life reported an employee engagement score of 77% in its 2023 employee survey. The total voluntary employee turnover rate was 10.4% in 2024.

Fair Trade & Ethical Sourcing

Swiss Life conducts annual audits for compliance with due diligence obligations related to conflict minerals.

Post-investment monitoring for infrastructure assets is also performed at least annually. During the year under review (2023), audits of major suppliers did not reveal any substantiated suspicion of child labour. Since 2023, all business areas, including Switzerland, France, Germany, Swiss Life Asset Managers, and Swiss Life International, have implemented a Code of Conduct for Suppliers. This Code obliges major business partners to adhere to standards covering labour and human rights.

Honest & Fair Business

The company scored 16.9/100 on a recognized sustainability benchmark, indicating significant omissions in mandatory disclosures.

PricewaterhouseCoopers serves as the external auditor for all Swiss Life Group companies, implying 100% audit coverage. A comprehensive anti-corruption policy prohibits bribery and all forms of corruption, with mandatory Code of Conduct training for all employees every two years, aiming for 100% participation and success. No confirmed cases of corruption or anti-competitive proceedings were reported in the year under review. A formal whistleblower protection policy exists with internal and external 24/7 anonymous reporting channels, providing confidentiality and protection from retaliation, and includes an independent external ombudsperson for its German subsidiary. All employees receive training on the Code of Conduct, which encourages reporting violations, but the program's effectiveness is not publicly measured. For third-party verification of ethical claims, environmental indicators are reviewed by an independent auditor, and almost 75% of total real estate assets under management and 100% of the proprietary insurance asset management portfolio are submitted to the GRESB assessment for ESG implementation verification.

Kind to Animals

Swiss Life Holding is a financial services and asset management company. Given its core business model, most 'Kind to Animals' KPIs related to product-specific animal testing, cruelty-free certifications, animal-derived ingredients, animal husbandry, and animal agriculture are not applicable. For these KPIs, the company's operations do not involve such activities. While Swiss Life's Code of Conduct for Business Partners expects support for animal welfare

and its asset managers have policies to avoid investments in companies destroying critical habitats, these statements do not provide measurable data points for 'wildlife_conservation_impact' or 'supplier_audit_pct' as defined by the rubric. Therefore, these two KPIs are omitted due to a lack of specific, quantifiable evidence of the company's direct conservation initiatives or animal-related supplier audits.

No War, No Weapons

Swiss Life Asset Managers (SLAM) and Swiss Life Investment Foundation (SLIF) implement responsible investment policies that explicitly exclude investments in controversial weapons, including antipersonnel landmines, cluster munitions, chemical, biological, and nuclear weapons

. These policies also prohibit investments in entities sanctioned by UN/EU/OFAC/CH or identified as high-risk by FATF . This framework serves as a formal divestment policy for conflict-zone exposures, ensuring 100% divestment from such defense-related assets in their portfolios and preventing future exposure . External data providers like MSCI ESG and SVVK-ASIR are utilized for screening, verifying zero exposure to controversial weapons in their investment portfolios . An ESG Board and dedicated committees oversee the implementation of these policies, demonstrating board oversight that explicitly excludes defense business from their investment activities . The policies are aligned with the UN Guiding Principles on Business and Human Rights . As a financial services firm, Swiss Life's core business does not involve arms or defense contracts.

Respect for Cultures & Communities

No specific, quantitative data was found in the provided articles to assess Swiss Life Holding against any of the 'Respect for Cultures & Communities' KPIs.

The sustainability report mentions general charitable giving and a preference for local suppliers in some regions, but lacks the specific percentages, counts, or protocol details required by the rubric for community partnerships, cultural impact, local employment ratios, or other defined metrics.

Safe & Smart Tech

Swiss Life reported no cybersecurity or data security breaches, nor any significant data protection infringements, during the year under review (2025).

The company has a formal directive (SLCH 12.12) for company-compliant AI use, with employees instructed to use AI cautiously, and automated decisions can be reviewed by a natural person upon request. Its Switzerland Division holds ISO 27001:2002 certification, and other divisions are working towards certification. Swiss Life conducts regular cybersecurity awareness training for all internal and external employees, including phishing simulations with measured click-through rates, and data protection training every two years. The company commits to informing users about the logic, significance, and consequences of automated decisions and provides details on data used for scoring systems. Users have comprehensive rights to access, rectify, erase, object to, restrict processing, and port their data, with options to view and amend data via applications. Multi-factor authentication is available for advanced electronic signatures and portal access. Swiss Life has a Vulnerability Disclosure Policy and commits to closing security gaps as soon as possible, but requests a minimum of 90 days to resolve reported issues before public disclosure. While not having a bug bounty program, it welcomes feedback from security researchers. The company states compliance with GDPR, FADP, UK GDPR, and other regulations, and incurred no significant monetary penalties or fines in the reporting year.